B+S BANKSYSTEME AG (DTD2.DE) Stock Fundamental Analysis
Europe - FRA:DTD2 - DE0001262152 - Common Stock
1.97 EUR
0 (0%)
Overall DTD2 gets a fundamental rating of 5 out of 10. We evaluated DTD2 against 110 industry peers in the Software industry. While DTD2 belongs to the best of the industry regarding profitability, there are concerns on its financial health. DTD2 may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
In the past year DTD2 was profitable.
DTD2 had a positive operating cash flow in the past year.
DTD2 had positive earnings in 4 of the past 5 years.
In the past 5 years DTD2 always reported a positive cash flow from operatings.
1.2 Ratios
With a decent Return On Assets value of 6.15%, DTD2 is doing good in the industry, outperforming 60.91% of the companies in the same industry.
Looking at the Return On Equity, with a value of 11.23%, DTD2 is in the better half of the industry, outperforming 61.82% of the companies in the same industry.
DTD2's Return On Invested Capital of 8.15% is fine compared to the rest of the industry. DTD2 outperforms 66.36% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for DTD2 is significantly below the industry average of 12.42%.
The 3 year average ROIC (2.95%) for DTD2 is below the current ROIC(8.15%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.15% | ||
| ROE | 11.23% | ||
| ROIC | 8.15% |
ROA(3y)2.18%
ROA(5y)1.24%
ROE(3y)4.04%
ROE(5y)2.25%
ROIC(3y)2.95%
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 13.23%, DTD2 is in the better half of the industry, outperforming 63.64% of the companies in the same industry.
DTD2's Profit Margin has improved in the last couple of years.
With a decent Operating Margin value of 17.40%, DTD2 is doing good in the industry, outperforming 74.55% of the companies in the same industry.
In the last couple of years the Operating Margin of DTD2 has grown nicely.
Looking at the Gross Margin, with a value of 91.19%, DTD2 belongs to the top of the industry, outperforming 90.91% of the companies in the same industry.
In the last couple of years the Gross Margin of DTD2 has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.4% | ||
| PM (TTM) | 13.23% | ||
| GM | 91.19% |
OM growth 3Y90.37%
OM growth 5YN/A
PM growth 3Y74.14%
PM growth 5YN/A
GM growth 3Y-1.2%
GM growth 5Y-1.67%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), DTD2 is creating some value.
DTD2 has about the same amout of shares outstanding than it did 1 year ago.
DTD2 has about the same amout of shares outstanding than it did 5 years ago.
The debt/assets ratio for DTD2 has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 1.77, we must say that DTD2 is in the distress zone and has some risk of bankruptcy.
DTD2's Altman-Z score of 1.77 is on the low side compared to the rest of the industry. DTD2 is outperformed by 67.27% of its industry peers.
DTD2 has a debt to FCF ratio of 4.34. This is a neutral value as DTD2 would need 4.34 years to pay back of all of its debts.
DTD2 has a Debt to FCF ratio (4.34) which is in line with its industry peers.
A Debt/Equity ratio of 0.30 indicates that DTD2 is not too dependend on debt financing.
DTD2 has a Debt to Equity ratio (0.30) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 4.34 | ||
| Altman-Z | 1.77 |
ROIC/WACC1.09
WACC7.5%
2.3 Liquidity
DTD2 has a Current Ratio of 0.99. This is a bad value and indicates that DTD2 is not financially healthy enough and could expect problems in meeting its short term obligations.
DTD2 has a Current ratio of 0.99. This is in the lower half of the industry: DTD2 underperforms 70.00% of its industry peers.
DTD2 has a Quick Ratio of 0.99. This is a bad value and indicates that DTD2 is not financially healthy enough and could expect problems in meeting its short term obligations.
DTD2 has a Quick ratio of 0.99. This is in the lower half of the industry: DTD2 underperforms 67.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.99 | ||
| Quick Ratio | 0.99 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 108.91% over the past year.
The Earnings Per Share has been growing by 86.02% on average over the past years. This is a very strong growth
Looking at the last year, DTD2 shows a quite strong growth in Revenue. The Revenue has grown by 8.82% in the last year.
The Revenue has been growing slightly by 7.04% on average over the past years.
EPS 1Y (TTM)108.91%
EPS 3Y86.02%
EPS 5YN/A
EPS Q2Q%138.1%
Revenue 1Y (TTM)8.82%
Revenue growth 3Y6.8%
Revenue growth 5Y7.04%
Sales Q2Q%3.23%
3.2 Future
The Earnings Per Share is expected to grow by 15.97% on average over the next years. This is quite good.
The Revenue is expected to grow by 4.26% on average over the next years.
EPS Next Y41.67%
EPS Next 2Y29.1%
EPS Next 3Y20.51%
EPS Next 5Y15.97%
Revenue Next Year3.31%
Revenue Next 2Y4.84%
Revenue Next 3Y4.73%
Revenue Next 5Y4.26%
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
DTD2 is valuated cheaply with a Price/Earnings ratio of 7.30.
97.27% of the companies in the same industry are more expensive than DTD2, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.91, DTD2 is valued rather cheaply.
DTD2 is valuated reasonably with a Price/Forward Earnings ratio of 9.66.
Based on the Price/Forward Earnings ratio, DTD2 is valued cheaper than 94.55% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.92. DTD2 is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.3 | ||
| Fwd PE | 9.66 |
4.2 Price Multiples
95.45% of the companies in the same industry are more expensive than DTD2, based on the Enterprise Value to EBITDA ratio.
DTD2's Price/Free Cash Flow ratio is rather cheap when compared to the industry. DTD2 is cheaper than 90.91% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.63 | ||
| EV/EBITDA | 5.19 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
DTD2 has a very decent profitability rating, which may justify a higher PE ratio.
DTD2's earnings are expected to grow with 20.51% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.18
PEG (5Y)N/A
EPS Next 2Y29.1%
EPS Next 3Y20.51%
5. Dividend
5.1 Amount
No dividends for DTD2!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
FRA:DTD2 (10/24/2025, 7:00:00 PM)
1.97
0 (0%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners11.11%
Inst Owner ChangeN/A
Ins Owners56.39%
Ins Owner ChangeN/A
Market Cap12.23M
Revenue(TTM)12.90M
Net Income(TTM)1.71M
Analysts82.86
Price Target4.59 (132.99%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-10.53%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.3 | ||
| Fwd PE | 9.66 | ||
| P/S | 0.95 | ||
| P/FCF | 9.63 | ||
| P/OCF | 9.91 | ||
| P/B | 0.81 | ||
| P/tB | 4.28 | ||
| EV/EBITDA | 5.19 |
EPS(TTM)0.27
EY13.71%
EPS(NY)0.2
Fwd EY10.36%
FCF(TTM)0.2
FCFY10.38%
OCF(TTM)0.2
OCFY10.09%
SpS2.08
BVpS2.45
TBVpS0.46
PEG (NY)0.18
PEG (5Y)N/A
Graham Number3.86
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.15% | ||
| ROE | 11.23% | ||
| ROCE | 10.96% | ||
| ROIC | 8.15% | ||
| ROICexc | 8.54% | ||
| ROICexgc | 23.09% | ||
| OM | 17.4% | ||
| PM (TTM) | 13.23% | ||
| GM | 91.19% | ||
| FCFM | 9.84% |
ROA(3y)2.18%
ROA(5y)1.24%
ROE(3y)4.04%
ROE(5y)2.25%
ROIC(3y)2.95%
ROIC(5y)N/A
ROICexc(3y)3.25%
ROICexc(5y)N/A
ROICexgc(3y)10.17%
ROICexgc(5y)N/A
ROCE(3y)3.98%
ROCE(5y)N/A
ROICexgc growth 3Y118.37%
ROICexgc growth 5YN/A
ROICexc growth 3Y110.38%
ROICexc growth 5YN/A
OM growth 3Y90.37%
OM growth 5YN/A
PM growth 3Y74.14%
PM growth 5YN/A
GM growth 3Y-1.2%
GM growth 5Y-1.67%
F-Score6
Asset Turnover0.47
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 4.34 | ||
| Debt/EBITDA | 1.42 | ||
| Cap/Depr | 3.62% | ||
| Cap/Sales | 0.28% | ||
| Interest Coverage | 9.93 | ||
| Cash Conversion | 38.09% | ||
| Profit Quality | 74.4% | ||
| Current Ratio | 0.99 | ||
| Quick Ratio | 0.99 | ||
| Altman-Z | 1.77 |
F-Score6
WACC7.5%
ROIC/WACC1.09
Cap/Depr(3y)2.14%
Cap/Depr(5y)4.94%
Cap/Sales(3y)0.26%
Cap/Sales(5y)0.74%
Profit Quality(3y)3082.14%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)108.91%
EPS 3Y86.02%
EPS 5YN/A
EPS Q2Q%138.1%
EPS Next Y41.67%
EPS Next 2Y29.1%
EPS Next 3Y20.51%
EPS Next 5Y15.97%
Revenue 1Y (TTM)8.82%
Revenue growth 3Y6.8%
Revenue growth 5Y7.04%
Sales Q2Q%3.23%
Revenue Next Year3.31%
Revenue Next 2Y4.84%
Revenue Next 3Y4.73%
Revenue Next 5Y4.26%
EBIT growth 1Y270.46%
EBIT growth 3Y103.31%
EBIT growth 5YN/A
EBIT Next Year116.67%
EBIT Next 3Y35.72%
EBIT Next 5Y22.36%
FCF growth 1Y-9.42%
FCF growth 3Y62.88%
FCF growth 5YN/A
OCF growth 1Y-14.19%
OCF growth 3Y57.27%
OCF growth 5YN/A
B+S BANKSYSTEME AG / DTD2.DE FAQ
Can you provide the ChartMill fundamental rating for B+S BANKSYSTEME AG?
ChartMill assigns a fundamental rating of 5 / 10 to DTD2.DE.
Can you provide the valuation status for B+S BANKSYSTEME AG?
ChartMill assigns a valuation rating of 9 / 10 to B+S BANKSYSTEME AG (DTD2.DE). This can be considered as Undervalued.
Can you provide the profitability details for B+S BANKSYSTEME AG?
B+S BANKSYSTEME AG (DTD2.DE) has a profitability rating of 7 / 10.
Can you provide the PE and PB ratios for DTD2 stock?
The Price/Earnings (PE) ratio for B+S BANKSYSTEME AG (DTD2.DE) is 7.3 and the Price/Book (PB) ratio is 0.81.
How financially healthy is B+S BANKSYSTEME AG?
The financial health rating of B+S BANKSYSTEME AG (DTD2.DE) is 3 / 10.